Legacy Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Legacy Bank & Trust Company is an FDIC-insured commercial bank headquartered in Mountain Grove, MO, established in 1907 (FDIC certificate 22319), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.85B, down 1.4% from Q2 2025, the 21st largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.91% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 22319
- Headquarters
- Mountain Grove, MO
- Established
- 1907
- Total assets, Q2 2026
- $1.85B
- Assets vs Q2 2025
- -1.4%
- Tier 1 leverage ratio, Q2 2026
- 11.91%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 081511631
- Latest call report
- Q2 2026, FFIEC 051 · Legacy Bank & Trust Company call report
- Holding company
- OZARKS HERITAGE FINANCIAL GROUP, INC
- Asset rank in state
- 21st of 191 in Missouri
Problem loans are rising at Legacy Bank & Trust Company. It reported $1.8 billion in assets at June 30, 2026, down 1.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.47% of loans from 0.12% a year earlier. It pays an average of 3.04% on its deposits and borrowings, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also holds commercial real estate loans worth 4.5 times its capital, about double the median of 2.2 times for banks its size.
Delinquency has appeared in its $456 million multifamily book: 3.64% of those loans are past due or on nonaccrual, against almost none a year earlier. The balance sheet shrank over the year: over the year loans fell 6.7% and deposits fell 2.6%. Credit is the area to watch: it carries problem assets equal to 10.7% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Legacy Bank & Trust Company reported a return on assets of 1.18%, a nonperforming-loan ratio of 1.47% and a Texas ratio of 10.65%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Legacy Bank & Trust Company is the 21st largest of the 191 banks headquartered in Missouri. Between Q1 2026 and Q2 2026, its total assets rose 1.0% to $1.85B, loans fell 2.8% and deposits rose 0.2%. Multifamily loans made up 30.9% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 30.7%. The FDIC Summary of Deposits lists 9 offices for it, in 8 cities across 3 states; its Springfield 2 offices book 50% of its branch deposits. Judged on its Q2 2026 call report, Legacy Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1500 N Main St, Mountain Grove, MO 65711
- County
- Wright
- Metro Area
- Springfield, MO
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 17, 1907
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 137
- Domestic deposits
- $1.54B
- Allowance for credit losses
- $17.8M
- Net charge-offs (YTD)
- $11K
- Average total assets
- $1.81B
- Average total loans
- $1.49B
- Average interest-bearing deposits
- $1.41B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 17, 1976
- FDIC Cert
- 22319
- Fed RSSD
- 397755
- SEC CIK
- 1702397 → filed by UPLIFT FINANCIAL DEVELOPMENT CORPORATION
- Website
- www.legacybankandtrust.com →
- Parent Holding Company
- OZARKS HERITAGE FINANCIAL GROUP, INC (RSSD 3157017)
- Ultimate Parent
- UPLIFT FINANCIAL DEVELOPMENT CORPORATION (RSSD 1248939)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Legacy Bank & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Legacy Bank & Trust Company's total assets ranged from $1.63B (Q3 2023) to $1.92B (Q1 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.85B total assets against $1.87B; $1.62B total liabilities against $1.65B.
$1.46B net loans and leases against $1.57B; $1.54B total deposits against $1.58B.
$989K securities against $987K; $283.4M cash and balances due against $217.7M.
$26.9M total interest income against $29.4M; $12.1M total interest expense against $14.5M.
$14.8M net interest income against $14.9M.
$702K total noninterest income against $779K; $8.6M total noninterest expense against $8.8M.
$600K provision for credit losses against $0.
$5.4M net income against $5.4M.
1.18% return on assets against 1.15%; 3.71% net interest margin against 3.43%.
11.91% tier 1 leverage ratio against 11.85%.
Inside the full Legacy Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Legacy Bank & Trust Company rankings
Its closest position to the top of a national ranking is 633 of 4,196, for total assets; its furthest is 827 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.15% (Q2 2025) to 3.51% (Q1 2025) and its net interest margin ran from 3.14% (Q3 2024) to 3.75% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.91% | 1.18% | 1.47% | 10.65% | 3.71% |
| Q1 2026 | 11.71% | 1.22% | 0.33% | 3.21% | 3.68% |
| Q4 2025 | 12.76% | 1.16% | 0.02% | 1.35% | 3.75% |
| Q3 2025 | 12.27% | 1.30% | 0.02% | 0.15% | 3.54% |
| Q2 2025 | 11.85% | 1.15% | 0.12% | 0.78% | 3.43% |
| Q1 2025 | 11.75% | 3.51% | 0.16% | 1.15% | 3.37% |
| Q4 2024 | 11.19% | 1.33% | 0.17% | 2.03% | 3.46% |
| Q3 2024 | 11.42% | 1.52% | 0.03% | 1.29% | 3.14% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sunshine Branch | Springfield , MO | 65804 | $673.4M |
| Clinton Branch | Clinton , MO | 64735 | $169.9M |
| Wpx Tulsa Branch | Tulsa , OK | 74103 | $158.7M |
| The Citizens Bank of Sparta Branch | Sparta , MO | 65753 | $132.3M |
| Legacy Bank & Trust Company (main office) | Mountain Grove , MO | 65711 | $115.1M |
| Springfield Branch | Springfield , MO | 65807 | $91.2M |
| Dallas Parkway Branch | Dallas , TX | 75287 | $82.0M |
| Tarrant Pkwy Branch | Fort Worth , TX | 76244 | $72.3M |
| Coit Road Branch | Plano , TX | 75075 | $48.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 17, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 17, 2018 | Structure Change | Acquired First National Bank of Clinton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 26, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 26, 2005 | Structure Change | Acquired The Citizens Bank of Sparta Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in MO, rank 35 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Legacy Bank & Trust Company
What are Legacy Bank & Trust Company's total assets?
As of the Q2 2026 filing, Legacy Bank & Trust Company reported total assets of $1.85 billion in its FFIEC call report.
Where is Legacy Bank & Trust Company headquartered?
It is headquartered in Mountain Grove, MO, United States.
When was Legacy Bank & Trust Company founded?
It was established in 1907, per the FDIC institution directory.
Is Legacy Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22319). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Legacy Bank & Trust Company?
Legacy Bank & Trust Company's primary federal regulator is the Federal Reserve.
How many branches does Legacy Bank & Trust Company operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Legacy Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 10.65% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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